
Mortgage Consultant · NMLS 2460164
Elizabeth Zak
Liz joined Home State Bank in 2023 and treats every client like family.
“I will be your family and friends' mortgage advisor for life.”
- Appleton, Wisconsin
- 4.97 from 36 verified reviews
Specialties
- Purchase
- First-time buyers
- WHEDA
How it works with Elizabeth
- 1
Start online with Elizabeth's application or call 920-209-5149. Fifteen minutes, no credit impact.
- 2
Get a pre-approval, usually the same day, that sellers and Realtors around here recognize.
- 3
Processing, underwriting, and closing all happen in our own building. Your loan officer walks the file, not a queue.
Elizabeth Zak, Mortgage Consultant, Home State Bank, N.A. NMLS 2460164. Company NMLS 478452. Member FDIC. Equal Housing Lender.
Reach Elizabeth
Ask a question, or ask for a call back.
Client reviews
What Elizabeth's clients say.
4.97
36 verified reviews
Collected by Experience.com“Liz was a tremendous help at all times of day and very informative. She was able to answer every question I had, regardless of what it was. Liz is very easy to get to know and work with. I would, and have, recommend her to family and friends.”
Jacob H · Kimberly, WI · Aug 2026
“Walked theough all needed steps of the way. Very personable!”
Matthew R · Appleton, WI · Aug 2026
“She has been amazing throughout the process from even before our pre-approval, to then closing. Any time I have a question, which is quite often, she answered it in a way that was easy to understand whether it was 8am or 11pm. I knew I could count on her. She fought for us when we needed advocating and was so knowledgeable when it came to grants and programs. I absolutely love working with Liz!”
Lauren M A · Green Bay, WI · Jul 2026
“Liz was great! Very communicative and made the process simple.”
Haley M H · Appleton, WI · Jul 2026
“The way she was always very attentive to my answer never once felt like my ques where not answere. super nice, and I really like the way she was always there when I called or texted. super great ful!!!”
Eric C · Fond Du Lac, WI · Jul 2026
“Everything. I received quick responses to any questions or thoughts I had. The overall process was quick, the cohesion with my sales agent was also a plus. Already told a coworker to find you, he wasn't having a good time with his bank.”
David M · Oshkosh, WI · Jul 2026
“Easy, straightforward”
Ryan B · Redgranite, WI · Jun 2026
“My husband and I had a wonderful experience working with Liz. She made the mortgage process easy to understand, kept us informed every step of the way, and was always available to answer our questions. Her professionalism, responsiveness, and dedication helped make our home purchase a smooth and stress-free experience. We truly appreciate all of her hard work and would highly recommend her to anyone looking for a knowledgeable and trustworthy mortgage broker.”
Alissa K · De Pere, WI · Jun 2026
“Phenomenal service. Very supportive through the whole process. Kept the flow of the process going smoothly, which allows us for an early closing. Couldn't have been happier.”
Emerson B · De Pere, WI · Jun 2026
“Over the top helpful and more than willing to answer any questions I came to her with. Amazing experience all around”
Jesse H · Oshkosh, WI · May 2026
Reviews are submitted by verified Home State Bank clients through Experience.com after closing and are shown as written. This page shows a selection of recent reviews rated 4.5 stars or higher. The overall rating and review count reflect every review on file, and the full set, including lower ratings, is on the Experience.com profile linked above.
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Ready? Elizabeth is one call away.
Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.



